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2024 data HMDA 2024 disclosure official source

Northumberland County

766 mortgage applications, 17.0% denial rate. Verify FIPS 51133 with U.S. Census Bureau →

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Virginia · FIPS 51133

Local mortgage market. Northumberland County, Virginia saw 766 HMDA-reported mortgage applications in 2024. Lenders originated 374 of those loans and denied 130, producing a denial rate of 17.0% and an approval (origination) rate of 48.8%. The average loan amount was $252,977 at an average note rate of 7.16%, with applicants self-reporting average annual income of $37K. 109 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 51133 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

766
Applications
374
Originated
17.0%
Denial Rate
48.8%
Approval Rate
$252,977
Avg Loan Amount
7.16%
Avg Interest Rate
$37K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in Northumberland County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 United Bank 39 10.4%
2 Rocket Mortgage 29 7.8%
3 Atlantic Union Bank 27 7.2%
4 Primis Bank 23 6.1%
5 Navy Federal Credit Union 14 3.7%
Compare United Bank vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Northumberland County?
In the 2024 HMDA reporting year, 766 mortgage applications were filed in Northumberland County, Virginia. Of these, 374 were originated (approved and funded), while 130 were denied, resulting in a denial rate of 17.0%.
What is the mortgage denial rate in Northumberland County?
The mortgage denial rate in Northumberland County is 17.0%. The approval (origination) rate is 48.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Northumberland County?
The average mortgage loan amount in Northumberland County is $252,977. The average interest rate is 7.164%. The average applicant income is $37K.
What is the loan-to-income ratio in Northumberland County?
The average loan-to-income ratio in Northumberland County is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Northumberland County?
The top mortgage lenders in Northumberland County by origination volume are United Bank, Rocket Mortgage, Atlantic Union Bank. In total, 109 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.